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All Journal Jurnal Ilmu Sosial dan Humaniora EKONOBIS (JURNAL EKONOMI DAN BISNIS) Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura Jurnal Ekonomi dan Studi Pembangunan (Journal of Economics and Development Studies) Quantitative Economics Research Journal of Economic, Bussines and Accounting (COSTING) JURNAL EDUCATION AND DEVELOPMENT JURNAL PENDIDIKAN TAMBUSAI Jurnal Pengabdian Magister Pendidikan IPA GANEC SWARA Jurnal Ilmiah Edunomika (JIE) Jurnal Informasi dan Teknologi Al-Kharaj: Journal of Islamic Economic and Business International Journal of Economics Development Research (IJEDR) Management Studies and Entrepreneurship Journal (MSEJ) As-Syar'i : Jurnal Bimbingan & Konseling Keluarga Community Development Journal: Jurnal Pengabdian Masyarakat Maharaat: Jurnal Pendidikan Bahasa Arab Jurnal Syntax Imperatif : Jurnal Ilmu Sosial dan Pendidikan Elastisitas Jurnal Ekonomi Pembangunan Jurnal Kewarganegaraan International Journal of Business, Law, and Education International Journal on Social Science, Economics and Art International Journal of Health, Economics, and Social Sciences (IJHESS) Jurnal Abdimas Sangkabira JURNAL ECONOMINA Internet of Things and Artificial Intelligence Journal Experimental Student Experiences Sanskara Akuntansi dan Keuangan Sanskara Ekonomi dan Kewirausahaan Jurnal Multidisiplin West Science The Es Economics and Entrepreneurship The Eastasouth Management and Business Innovative: Journal Of Social Science Research Sanskara Manajemen dan Bisnis Jurnal Ilmu Ekonomi Journal of Economic Education and Entrepreneurship Studies Journal of Economics, Entrepreneurship, Management Business and Accounting West Science Business and Management West Science Journal Economic and Entrepreneurship Jurnal Akuntansi dan Keuangan West Science Jurnal Bisnis dan Manajemen West Science Jurnal Ekonomi dan Kewirausahaan West Science West Science Interdisciplinary Studies Jurnal AGRISEP: Kajian Masalah Sosial Ekonomi Pertanian dan Agribisnis Jurnal Oportunitas : Ekonomi Pembangunan Jurnal Serambi Ekonomi dan Bisnis West Science Interdisciplinary Studies Journal of Social and Humanities West Science Social and Humanities Studies Majority Science Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah RESLAJ: Religion Education Social Laa Roiba Journal West Science Nature and Technology Journal of International Multidisciplinary Research Management Studies and Business Journal Accounting Studies and Tax Journal Economics Studies and Banking Journal West Science Agro Jurnal Pengabdian Masyarakat Jurnal Abdimas Independen Journal of Multidisciplinary Inquiry in Science, Technology and Educational Research International Journal of Economics, Business Management and Accounting Jurnal Ekonomi, Manajemen, Akuntansi LANCAH Jurnal Inovasi dan Tren Jurnal Wicara Desa Jejak: Jurnal Ekonomi dan Kebijakan English and Tourism Studies Indonesian Development Economics and Localities Media for Empowerment, Mobilization, and Innovation in Research & Community INTERNATIONAL JOURNAL OF SOCIETY REVIEWS (INJOSER) INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE) Ganec Swara
Iwan Harsono
Fakultas Ekonomi Dan Bisnis, Universitas Mataram, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Neuroscience Public Health Social Sciences Other

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STRATEGIC ECONOMIC PARADIGMS IN THE FOURTH INDUSTRIALREVOLUTION: A MULTIDIMENSIONAL ANALYSIS OF POLICY, TECHNOLOGY, AND SOCIO-ECONOMIC DYNAMICS Rusmiyati Rusmiyati; Iwan Harsono; Henny Noviany; Evie Farida Juliarta; Kartijo
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 1 No. 9 (2025): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

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Abstract

This study conducts a comprehensive analysis spanning various dimensions to unravel the intricacies of strategic economic paradigms within the Fourth Industrial Revolution (4IR). The research delves into the dynamic interplay of policy, technology, and socio-economic factors, aiming to discern the multifaceted challenges and opportunities arising from disruptive innovations characterizing the 4IR era. By synthesizing insights from diverse perspectives, the study provides an in-depth understanding of the complex economic landscape shaped by transformative technologies such as artificial intelligence, blockchain, and the Internet of Things. It emphasizes the necessity for adaptive strategies in policymaking to address the rapidly evolving nature of economic paradigms. Furthermore, the research identifies key challenges and explores potential pathways for informed decision-making in navigating the complexities of the 4IR. By exploring disruptive innovations and their impact on economic structures, the study aims to contribute valuable insights for policymakers, researchers, and stakeholders. This analysis is a foundational resource for those seeking to foster sustainable economic development, promoting Resilience and adaptability in the face of unprecedented technological change.
MODERN APPROACHES TO RISK MANAGEMENT IN INVESTMENT PORTFOLIOS: STRATEGIES IN MARKET VOLATILITY Loso Judijanto; Yupiter Mendrofa; Iwan Harsono; Pirmanta Sebayang; Fuadah Johari
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 1 No. 10 (2025): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

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Abstract

This paper explores the evolution of risk management strategies in investment portfolios, explicitly focusing on addressing challenges posed by market volatility. Effective risk management is paramount for safeguarding investor assets in an era of globalization, technological advancements, and heightened interconnectedness. Traditional theories, such as Modern Portfolio Theory (MPT) and the Capital Asset Pricing Model (CAPM), have provided foundational frameworks. However, limitations in addressing the dynamic nature of contemporary financial markets during periods of heightened volatility have led to the emergence of modern approaches. This study investigates the integration of technological advancements, insights from behavioral finance, and sophisticated quantitative models to provide nuanced and adaptive risk management strategies. Algorithmic trading, dynamic asset allocation models, and behavioral insights contribute to a comprehensive toolkit for managing risk during market volatility. The paper assesses the efficacy of these modern approaches in navigating the complexities of fluctuating markets and offers insights into the evolving landscape of risk management.
EXPLORING THE RELATIONSHIP BETWEEN TECHNOLOGY ADOPTION, HUMAN CAPITAL, ACCESS TO CREDIT, AND BUSINESS RESILIENCE ON MSME PERFORMANCE IN INDONESIA D. Iwan Riswandi; Subagyo; Jatmiko Wahyu Nugroho; Iwan Harsono
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 1 No. 10 (2025): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

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Abstract

This study explores the complex relationships that exist between the performance of Micro, Small, and Medium-Sized Enterprises (MSME) in Indonesia and the use of technology, human resource management, credit availability, and business resilience. Partial Least Squares (PLS-SEM), a type of structural equation modeling (SEM), was used to assess a sample of 110 different MSMEs. The results show a complex web of linkages that impact MSME success. These relationships emphasize the critical roles that technology adoption, efficient HRM, enhanced loan availability, and robust business practices play. For policymakers, practitioners, and researchers looking to promote sustainable growth in the Indonesian MSME sector, the report offers insightful information.
THE IMPACT OF GOVERNMENT POLICY, FINANCIAL LITERACY, MARKET ACCESS, AND INNOVATION ON THE GROWTH OF MSMES IN INDONESIA Rifki Suwaji; Iwan Harsono
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 1 No. 10 (2025): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

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Abstract

The multiple effects of financial literacy, market accessibility, government policy, and innovation on the expansion of Micro, Small, and Medium-Sized Enterprises (MSMEs) in Indonesia are examined in this study. A thorough investigation of Structural Equation Modeling (SEM) with Partial Least Squares (PLS-SEM) was carried out on a sample of 250 different MSMEs. Each exogenous variable and MSME growth have strong and positive connections, according to the data. Government policy becomes evident as a potent motivator, highlighting the necessity of encouraging regulatory environments. Significant influences are also shown by financial literacy, market access, and innovation, highlighting the significance of a comprehensive strategy for promoting MSME growth. Policymakers, stakeholders, and MSME owners can use the findings to establish focused initiatives that foster an environment that is favorable to the sustainable development of MSMEs in Indonesia.
Pengaruh Produk Domestik Regional Bruto, Indeks Pembangunan Manusia, Jumlah Penduduk, dan Tingkat Pengangguran Terbuka Terhadap Kemiskinan di Kabupaten/Kota Provinsi Nusa Tenggara Barat Tahun 2017-2024 Syakinah Muaddah; Iwan Harsono
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 5 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i5.11513

Abstract

Poverty is a complex problem and affects many aspects of people's lives and development. Its dynamics are influenced by economic conditions, human resource levels, and different social structures in various regions, so appropriate policies are needed according to the problems faced. This study aims to analyze the effect of gross regional domestic product, human development index, population, and open unemployment rate on poverty in the regencies/cities of West Nusa Tenggara Province. This research is a quantitative study, the data used is panel data from 10 regencies/cities in West Nusa Tenggara Province in 2017-2024 and analyzed using panel data regression with the best model is the Fixed Effect Model (FEM). The results show that gross regional domestic product has a positive but insignificant effect on the poverty rate, the human development index has a negative but significant effect on poverty, population has a positive and significant effect on poverty, and the open unemployment rate has a negative but insignificant effect on poverty in the regencies/cities of West Nusa Tenggara Province.
“Pengaruh Pajak dan Retribusi Daerah Terhadap Pertumbuhan Ekonomi dengan Kemandirian Daerah Sebagai Variabel Mediasi pada Kabupaten/Kota Provinsi Nusa Tenggara Barat Tahun 2017-2023” Dima Dwiyana Halil; Baiq Ismiwati; Iwan Harsono
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 5 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i5.11726

Abstract

Regional economic growth is highly dependent on the capacity of local governments to manage their own revenues, particularly through the optimization of local taxes and levies. However, in West Nusa Tenggara Province, the level of regional independence still faces challenges due to the dominant role of transfer funds from the central government in the regional revenue structure. This study aims to analyze the effect of local taxes and levies on economic growth with regional independence as an intervening variable. This study uses a quantitative approach with an associative method and utilizes secondary data sourced from government financial reports. There are 70 observations in this study obtained from panel data of districts/cities in West Nusa Tenggara Province during the research period. Data analysis was performed using path analysis with the help of EViews software, and the regression model used was the Fixed Effect Model (FEM). Hypothesis testing included t-tests, F-tests, adjusted R-squared, and Sobel tests to examine the mediating role. The results showed that local taxes had a significant effect on regional autonomy and economic growth. Local levies did not have a significant effect on regional autonomy but had a significant effect on economic growth. Regional autonomy did not have a significant effect on economic growth. Based on the Sobel test, the results show that regional autonomy is unable to mediate the influence of regional taxes and levies on economic growth. This finding indicates that regional economic growth is still more influenced by factors other than regional fiscal autonomy.
Dampak Pengembangan Objek Wisata Tanjung Bias Terhadap Kesejahteraan Masyarakat di Wilayah Pantai Tanjung Bias, Kecamatan Batu Layar, Kabupaten Lombok Barat Maulana Muhammad Firdaus; Iwan Harsono
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 5 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i5.11821

Abstract

Tanjung Bias Beach, located in West Lombok Regency, West Nusa Tenggara Province, represents a promising coastal tourism destination characterized by its natural allure, including stunning sunset vistas, expansive shorelines, and the seamless integration of local microenterprises such as food stalls, cafes, entertainment services (e.g., horse rentals and photography), and small-to-medium enterprises (SMEs) specializing in souvenirs. This study aims to examine the developmental potential of tourism in the area, its implications for community welfare, and synergistic initiatives among stakeholders to ensure long-term sustainability. The findings reveal that tourism at Tanjung Bias has significantly boosted local incomes and employment opportunities, facilitated by active community involvement through the Village-Owned Enterprise (BUMDes) of Senteluk Village in managing facilities (e.g., restrooms, parking, and photo spots) and collecting a 10% levy. Development efforts encompass digital promotion campaigns led by provincial and regency governments, training programs on social media content creation, and private-sector collaborations (e.g., Pelindo Peduli) focused on infrastructure enhancements and financial literacy initiatives commencing in 2024. Nevertheless, key challenges persist, including deteriorated road infrastructure, limited promotional outreach, initial community resistance, human resource constraints (particularly in foreign language proficiency and service delivery), and environmental repercussions such as heightened waste accumulation. While positive economic outcomes—such as augmented regional fiscal revenues and the emergence of tourism-related professions—are evident, these are counterbalanced by social risks (e.g., cultural shifts) and environmental hazards (e.g., coastal degradation).
Study Determinants of Labor Absorption in Layer Breeder Chicken Farming Sector Businesses Himawan Sutanto; Ida Ayu Putri Suprapti; Iwan Harsono; Irwandi
Journal of Economics, Entrepreneurship, Management Business and Accounting Vol 2 No 1 (2024): Volume 2, Issue 1, January-April 2024
Publisher : CV. Sakura Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61255/jeemba.v2i1.284

Abstract

This research aims to determine the determinant factors for employment in the laying hen farming sector. In this research, the independent variable is used where (wages X1, productivity X2 and capital X3) and the dependent variable is (labor absorption Y). The aim of this research is to find out whether wages, productivity and capital influence labor absorption in egg-laying chicken farming businesses in Sidrap Regency, which is known as one of the largest egg-laying chicken producing districts in South Sulawesi. The method used is quantitative descriptive. The sample in this research consisted of 85 egg-laying chicken farming business units in Sidrap Regency. Sampling was carried out by taking the entire population considering that the population was less than 100 units. Research data was obtained by distributing questionnaires to 85 respondents. Data analysis was carried out using multiple linear regression. Based on the results of the analysis carried out, it can be seen that wages and capital have a positive effect on labor absorption, while productivity has no effect on labor absorption in egg-laying chicken farming businesses in Sidrap Regency.
Exploration of Local Wisdom in Creative Economy Literacy: The Case of Banana Chips Small Business Iwan Harsono; Muh. Yahya; Andi Naila Quin Azisah Alisyahbana; Rizka Aisyah Nurjannah
Journal of Economics, Entrepreneurship, Management Business and Accounting Vol 2 No 1 (2024): Volume 2, Issue 1, January-April 2024
Publisher : CV. Sakura Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61255/jeemba.v2i1.290

Abstract

This research aims to explore local wisdom through creative economic literacy in the small banana chip industry in East Luwu Regency. The type of research used is qualitative with the source of informants being 5 people each from small businesses who have different marketing methods in terms of product sales in East Luwu Regency. The data collection technique was carried out in two aspects, namely primary and secondary. The data collected is then processed and analyzed using qualitative descriptive methods, to provide an overview, explanation, understanding and conclusions. The results of the research show that banana chips business actors in East Luwu Regency already understand creative economic literacy with the knowledge they have, they can act or behave in accordance with the knowledge they have gained from the learning process and from training. They run their business with the knowledge they get from the process of selecting raw materials to how they market their products. Potentially, the creative economy industry can be used as an alternative to restore the economic conditions of society which are starting to decline.
ANALISIS KONVERGENSI EKONOMI DI KABUPATEN/KOTA PROVINSI NUSA TENGGARA BARAT TAHUN 2018-2024 DAN FAKTOR-FAKTOR YANG MEMPENGARUHINYA Erma Yulistiana; Iwan Harsono
Journal of Economic, Bussines and Accounting (COSTING) Vol. 9 No. 3 (2026): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/e8d6fd35

Abstract

Penelitian ini menganalisis konvergensi ekonomi antar kabupaten/kota di Provinsi Nusa Tenggara Barat periode 2018-2024 menggunakan pendekatan konvergensi sigma dan beta. Data panel dari 10 kabupaten/kota dianalisis menggunakan Fixed Effect Model dengan software EViews 12. Hasil penelitian menunjukkan tidak terjadi konvergensi ekonomi, melainkan divergensi yang ditandai dengan peningkatan koefisien variasi dari 95% pada tahun 2018 menjadi 121% pada tahun 2024. Analisis konvergensi beta absolut dan kondisional mengonfirmasi temuan ini dengan koefisien PDRB per kapita awal bernilai positif signifikan (0,272577; p=0,0160), mengindikasikan daerah maju tumbuh lebih cepat dibandingkan daerah tertinggal. Dari lima variabel independen yang diuji, hanya Penanaman Modal Asing (PMA) yang berpengaruh positif signifikan terhadap pertumbuhan ekonomi (0,010893; p=0,0009), sementara Angka Harapan Hidup, Rata-rata Lama Sekolah, dan Penanaman Modal Dalam Negeri tidak menunjukkan pengaruh signifikan. Temuan ini mengimplikasikan perlunya kebijakan redistribusi investasi yang lebih merata, peningkatan infrastruktur di daerah tertinggal, dan program pemberdayaan ekonomi lokal untuk mengurangi kesenjangan regional dan mendorong konvergensi ekonomi di Provinsi Nusa Tenggara Barat..
Co-Authors . Syamsulbahri Abdul Manan Abdul Manan Abdul Muntaqim Al Anshory Abdul Razak Munir Abdullah Usman Abubakar Abubakar Abubakar Abubakar Acep Fatchuroji Adrie Oktavio Afif Syarifudin Yahya Afif Syarifudin Yahya Afif Syarifudin Yahya Afriyana, Lina Agung Zulfikri Agusalim Ahmad Jouhari Ahmad Rizani Ahmad Zaenal Wafik Ahmad Zaenal Wafik Ahmad Zaenal Wafik Ahmad, Muh. Ihsan Said Ahmadi, Sambirang Akhmad, Noor Akhyar, Chairil Akmal Abdullah Akung Daeng Alfa Santoso Budiwidjojo Putra Alfiana Ali Akbar Hidayat Ali Akbar Hidayat Alim, Sabda Amalia , Mekar Meilisa Amelia S. Sarungallo Amitesh Kumar Singh Andarmoyo, Sulistyo Andi Naila Quin Azisah Aliasyahbana Andi Zakinah Juniarti Andika Isma Anggreani, Melly Anisa Fitria Utami Anshar Daud Ardi Azhar Nampira Ardiyanto Maksimilianus Gai Arief Sudrajat ARIEF SUDRAJAT Arini, Gusti Ayu Arkandia, Lalu Dema Arteurt Yoseph Merung Aryambau, I Komang Dodhy Samasta Asniar, Nunut Awalauddin B. Busaini, B. B. Vineshkumar Badruddin Nasir Bahrun Thalib Bahrun Thalib Baiq Ismiwati Baiq Ismiwati Baiq Nindria Riguna Umarta Baiq Nurmala BAIQ SARIPTA WIJI MULAWIANI Baiq Saripta Wijimulawiani Baiq. Saripta Wijimulawiani Bekti Setiadi Budi Kurniawan Bunga Fajriati Bunyamin, Ilham Akbar Cakranegara, Pandu Adi Chaidir, Taufiq Chairil Afandy Chairil Afandy Chatun, Sri D. Iwan Riswandi Danial Hilmi Daniel Happy Putra DARMAN Detha Riristuningsia Dewa Oka Suparwata Dewi Endah Fajariana, Dewi Endah Dewi, Henny Budhysetia Dian May Syifa Dima Dwiyana Halil Dito Anurogo Dito Anurogo, Dito Dodo Kurniawan Dodo Kurniawan, Dodo Efendi Efendi Effendi, Muhamad Hafid Efriyani Sumastuti Eko Sudarmanto Eko Sutrisno Eko Sutrisno, Eko Eko Wahyono, Eko Eksa Rusdiyana Eksa Rusdiyana, Eksa Eliagus Telaumbanua Elik Murni Ningtias Ningsih Elik Murni Ningtias Ningsih Elisabeth Nainggolan Ellyana Amran Ema Sulistiani, Ema Emi Salmah EMI SALMAH Endang Astuti Endang Astuti Endang Astuti Endang Astuti ENDANG ASTUTI Endang Astuti Erba Kalo Manik Eri Mardiani Eri Mardiani Erma Yulistiana Erwin Agus Eva Desembrianita Eva Yuniarti Utami Evi Sirait Evie Farida Juliarta Evie Farida Juliarta Fadil Mas’ud FADILA IZZATUN HASNA Fadliyanti, Luluk Fadliyanti, Luluk Fajri Hatim Fatma Sarie Fikri, Alfian Izzul Fildansyah, Rully Fina Amalia Masri Firmansyah Firmansyah Firmansyah Firmansyah Frans Sudirjo Fuadah Johari Fuadah Johari Fuadi, Helmy Fuady, Helmy Furkan, Lalu M. Ginarti, Ginarti Grace Martha Geertruida Bororing Hailuddin Hailuddin Hailuddin Halek Mu'min Halomoan Hutajulu Haq, M. Ziaul Harianti, Dewi Harsono, Iwan` Harsya, Rabith Madah Khulaili Hartati, Ola Afria Hendri Khuan Heni Widyaningsih, Heni Henny Budhysetia Dewi Henny Noviany Henny Noviany Heppi Syofya, Heppi Hidayat, Surya Himawan Susanto Himawan Sutanto Himawan Sutanto Himawan Sutanto, Himawan Honey Alya Hulpania, Guin Humaidah Muafiqie I DEWA KETUT YUDHA S I Dewa Ketut Yudha S I Gusti Ayu Purnamawati I Gusti Wayan Astradana I Nengah Suarmanayasa I Putu Gede Didik Widiarta I Wayan Adi Pratama I Wayan Ruspendi Junaedi Ida Ayu Putri Suprapti Ida Ayu Putri Suprapti Ida Wayan Demung Ihsan Abdillah Ihsan Rois Ilham Akbar Bunyamin Imam Widodo Imam Widodo INDRA DARMAWAN Indrapraja, Rachmadi Irma Ainun Nasyri Irwan Suriadi Irwandi Ita Soegiarto Jacob, Jufri Jacsy Tubalawony Jalaludin Jalaludin Jalaludin Jatmiko Wahyu Nugroho Jatmiko Wahyu Nugroho Joshua Johanes P Kumagaya Joko Sangaji Joko Sangaji Joko Sutrisno Judijanto, Loso Juminawati, Sri Jusatria Karimah, Fadhillah Kartijo Kartijo, Kartijo Kartika Devi, Erwina Khuan, Hendri Koesmawan Koesmawan Kumagaya, Johanes P Kurniawan, Ramdhan Kusnadi, Iwan Henri Ladjin, Nurjanna Laili Savitri Noor Latuheru, Anita Lau, Elfreda Aplonia Loso Judijanto Loso Judijanto Lucky Mahesa Yahya Lucky, Muhammad M. Irwan M. Irwan, M. Irwan M.MUNAWIR HAFIZ Mahmudin, Tono Marhamah Marhamah Masrun Masrur , Muhamad Maulana Muhammad Firdaus Maulidia, Riska Mayasari Mayasari, Mayasari Mekar Meilisa Amalia Merung, Arteurt Yoseph Mohammad Gifari Sono Monsar Marito Sir Mu'min, Halek Muafiqie, Humaidah MUAIDY YASIN, MUAIDY Muh. Ihsan Said Ahmad Muh. Yahya Muhajirin, Muhajirin Muhamad Azkia Muhamad Bai'ul Hak Muhamad Bai'ul Hak Muhamad Bai'ul Hak Muhamad Masrur Muhammad Ade Kurnia Harahap MUHAMMAD ALWI Muhammad Alwi Muhammad Amsal Nasution Muhammad Dzul Fadlli Muhammad Firmansyah Muhammad Firmansyah Muhammad Firmansyah, Muhammad Muhammad Hazmi MUHAMMAD IRWAN Muhammad Lucky Muhammad Zakaria Muhayadi, Alifiyan Rizki Naufal Muhlasin Mulawiani, Baiq Saripta Wiji Mulyadi, Rofiki Munirul Abidin Mutia Nasution Naim, Ifin Nanang Qosim Nasruddin Nasruddin Nasruddin Nasruddin Nasution, Muhammad Amsal Natalia, Ni Made Ayu Sri Dewi Neelu Seetaram Ni Desak Made Santi Diwyarthi Ningrat, Jaya Novia Anggraini Nugroho , Jatmiko Wahyu Nugroho Djati Satmoko Nugroho, Amal Fathullah Nur Awwalunnisa, Nur Nurjanna Ladjin Nurjanna Ladjin Nursyam, Aisyah Nurul Marlianti Nurvadilah, Nurvadilah Nurwijayanti Paizir, Muhammad Pasalbessy, Victor F Paulus Nong Wisang Permatasari, Desta Pirmanta Sebayang Pirmanta Sebayang Pramesti, Rendi Prasetyo, Ilham Aji Pratama, I Wayan Adi Prayitno Basuki Prayitno Basuki, Prayitno Purnama, Isnan Putra, Wira Pramana Putu Doddy Heka Ardana PUTU KARISMAWAN Putu Karismawan Rahmat Ramdhani Ramdhan Kurniawan Ramdhani, Rahmat Raskia, Qikin Rasyiddin, Ahmad RAUHUL IJTIHAD Restu Auliani Reza Amarta Prayoga Rezki Akbar Norrahman Rezki Fitriani Rida Ristiyana Ridwan Sya’rani Ridwan Sya’rani Rifki Suwaji Rina Destiana Rini Armin Rissa Megavitry Riswandi, D.Iwan Rizal R. Manullang Rizka Aisyah Nurjannah rizka amalia Rizka Amalia Rizky Ramadhan, Rizky Ro'is, Ihsan Robert Alex Serang Rully Fildansyah Rumanintya Lisaria Putri, Rumanintya Lisaria Rusmiyati Rusmiyati Rusmiyati Rusmiyati, Rusmiyati Saeful Rohman Safruddin Safruddin Sahri Salsabila, Baiq Dwi Magfira Samsuardi Said Santi Diwyarthi, Ni Desak Made Sari, Intan Gemala Sarie, Fatma Sarungallo, Amelia S. Saununu, Siska Jeanete Selli Mariko Septiya, Intan Setiadi, Bekti Setiani, Difika Hari Sirait, Evi Siska Jeanete Saununu Siska Yulia Defitri Siti Aisyah Siti Aisyah Siti Nurhidayati Siti Rahmawati Siti Sriningsih Siti Zulaika Soleha, Enti Sri Chatun Sri Juminawati Sri Sulistiowati St. Maryam, St. Subagyo, Subagyo Subhan Purwadinata Subhan Purwadinata Subhan Purwadinata, Subhan Sucipto, Bambang Sujadi Sujadi Sulistyo Andarmoyo Summiarni, Summiarni Suprapti, Ida Ayu Putri Suprapto Suprapto Suroso Suroso Susanto, Himawan Sutono Sutono Sutono Sutono Suwardi Zakaria Syahidin Syahidin Syahru Ramadhan Syakinah Muaddah Syamsu Rijal Syamsu Rijal T, Najdah Tahir, Usman Tarmidi, Didi Timotius Agus Rachmat, Timotius Agus Titi Yuniarti Titi Yuniarti, Titi Titik Poerwati Triyatni, Diandini Tubalawony, Jacsy Tuti Handayani Usman Tahir Usman, Abdullah Utami , Anisa Fitria Utami , Eva Yuniarti Utami, Desy Cahyaning Utami, Eva Yuniarti Utari Nurfitri Veithzal Rivai Zainal Vera Supriastuti Wafik, Ahmad Zaenal Wahidin wahyunadi Wahyunadi Wahyunadi Wahyunadi, Wahyunadi Widia Nurdiani, Tanti Widiastuti, Bayu Retno Winarni, Galuh Amelia Wira Pramana Putra Yahya, Afif Syarifudin YUDHA, I DEWA KETUT Yupiter Mendrofa Yupiter Mendrofa Zanjabil Al A’Raaf ZULAIKA, SITI Zulfikri, Agung Zulham Zulham Zulham